Hinsdale Bank & Trust

What Hinsdale Bank & Trust does

Hinsdale Bank & Trust Company, N.A. is a nationally chartered community bank founded in 1993 in Hinsdale, Illinois by Dennis Jones, who continues to serve as Chairman. The bank operates as a wholly-owned subsidiary of Wintrust Financial Corporation, a $74 billion-asset holding company that owns 16 community bank charters across greater Chicago, southern Wisconsin, western Michigan, northwestern Indiana, and southwest Florida with over 200 locations. Hinsdale Bank & Trust itself runs 15+ branches concentrated in the western Chicago suburbs (Hinsdale, Oak Park, Elmhurst, Downers Grove, Clarendon Hills, Darien, Western Springs, Lemont, Countryside, Riverside, Maywood, Stone Park, Willowbrook) and serves personal, small business, and commercial customers.

The bank's product set spans retail and commercial banking: tiered consumer checking (Total Access, Access Plus, Premier), savings and CDs (including a 2.00% APY Statement Savings Advanced and 4.00% APY 13-Month CD Special), the Money Smart credit-builder account, HELOCs across four balance tiers, mortgages via Wintrust Mortgage, Visa credit cards issued through Elan Financial Services, and the MaxSafe program extending FDIC coverage up to $4 million per accountholder. Commercial offerings include asset-based lending, capital markets, commercial leasing, SBA lending, treasury management, and industry-specialized banking for construction, franchise finance, government/municipal, healthcare/NFP, and professional practices. The digital layer — Wintrust Digital Banking (online, iOS, Android), mobile deposit, Zelle P2P, i-BusinessBanking, Positive Pay, and Trusteer anti-fraud — is shared across the Wintrust network, while Telebank and appointment-based personal bankers provide human channels.

Revenue mechanics follow a traditional community-bank model: net interest income on loans and securities, deposit and transaction fees (with maintenance fees waived at relationship-balance thresholds), interchange and card servicing economics from Elan, treasury management fees, and wealth management referrals through Wintrust Wealth Management. Go-to-market is relationship-led and community-anchored — local decision-making, financial education (FDIC Money Smart curriculum), community events, and demographic-targeted clubs (Platinum Adventures for 50+, Junior Savers/Teen Banking for under-22). The bank is privately held and does not disclose standalone financial results; no M&A, capital raises, or restructurings are documented for the entity itself.

Name

Hinsdale Bank & Trust

Legal name

Hinsdale Bank & Trust Company, N.A.

Website

https://hinsdalebank.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Short description

Hinsdale Bank & Trust Company, N.A. is a nationally chartered Illinois community bank and wholly-owned subsidiary of Wintrust Financial Corporation, serving personal, small business, and commercial customers through 15+ branches in the western Chicago suburbs and shared Wintrust digital and treasury-management services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Trusts, Estates, and Agency Accounts (52592)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA), Trust & Fiduciary Advisory for HNW/UHNW (Trust Structuring & Trustee Oversight) (FSAAABAF)

Keywords

• Community banking services
• Retail banking products
• Small business lending
• Commercial lending
• Wealth management services

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including mortgages, HELOCs, personal loans, business loans, and commercial lending
2. Deposit Fees and Charges: Monthly maintenance fees, overdraft fees, wire transfer fees, and ATM fees
3. Credit Card Income: Revenue from credit card transactions and interchange fees through Elan Financial Services partnership
4. Wealth Management Services: Investment, insurance, and trust services through Wintrust Wealth Management
5. Treasury Management Services: Cash management, merchant processing, wire transfers, and ACH services for business customers

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Hinsdale Bank & Trust is a community bank providing personal and business deposit accounts, consumer and commercial loans, mortgages, credit cards, treasury management, and wealth management services to individuals, small businesses, and commercial clients in the greater Chicago area. As a Wintrust Community Bank, it combines a 15+ branch physical network with the Wintrust Digital Banking online and mobile platform, mobile deposit, Zelle payments, and Positive Pay fraud prevention tools.

Differentiator

Problem solved

Functional benefit

Brands

• Wintrust Digital Banking: Mobile and online banking platform for Wintrust Community Bank customers
• Money Smart Checking
• Platinum Adventures Club
• Junior Savers Club
• Wintrust Mortgage
• MaxSafe
• Wintrust Wealth Management

Products and services

• Total Access Checking Entry-level personal checking account for everyday banking with no monthly maintenance fee and surcharge-free nationwide ATM access, targeted at individual consumers in the bank's footprint.
• Access Plus Checking Interest-bearing personal checking account with relationship-balance fee waivers and value-added benefits such as waived safe deposit box fees, free checks, and wire transfer reimbursements, designed for consumers maintaining moderate balances.
• Premier Checking Top-tier personal checking account offering the highest relationship benefits, including rate bonus on Statement Savings, safe deposit box fee waivers, and wire transfer reimbursements for consumers with significant combined balances.
• Money Smart Checking Low-barrier personal checking account designed for credit building, featuring no monthly fees, no overdraft fees, and out-of-network ATM reimbursements, targeted at consumers establishing or rebuilding banking and credit histories.
• Statement Savings Advanced High-yield personal savings account offering 2.00% APY with qualifying activities for new money, targeted at consumers seeking above-market savings returns.
• 13-Month CD Special 13-month certificate of deposit offering 4.00% APY with auto-renewal at maturity for consumers seeking a fixed-term, fixed-rate savings vehicle.
• Everyday Loan Fixed-rate unsecured personal loan up to $5,000 for consumers seeking small-dollar, short-term financing for everyday needs.
• Home Equity Line of Credit (HELOC) Variable-rate revolving home equity line of credit with tiered APRs by line size and a first-year annual fee waiver, targeted at homeowners seeking flexible access to home equity.
• Mortgages Residential mortgage origination, refinancing, and home equity solutions delivered through Wintrust Mortgage, targeted at consumers purchasing or refinancing homes.
• Personal Credit Cards Personal Visa-branded credit cards issued through a partnership with Elan Financial Services, including zero fraud liability protection and 24/7 customer service for consumer cardholders.
• Wealth Management Investment, insurance, and trust services delivered through Wintrust Wealth Management, targeted at personal and business clients seeking holistic financial planning alongside banking.
• Entrepreneur Checking Entry-level small business checking account with no minimum balance, free transaction allowance, and integrated i-BusinessBanking online platform with mobile deposit for startups and small businesses.
• Business Community Checking Mid-tier business checking account for established small businesses with relationship-balance fee waivers and a generous monthly free transaction allowance.
• Have-It-All Business Checking High-volume business checking account designed for businesses with higher transaction volumes, offering the largest monthly transaction allowance among the business checking tiers.
• MaxSafe Deposit Program Multi-bank FDIC insurance program that spreads deposits across 16 Wintrust community bank charters to provide up to $4 million in FDIC coverage per accountholder, available as MaxSafe CDs and MaxSafe Money Market accounts.
• Small Business Cash Management Cash management services including merchant processing, wire transfers, and ACH services for small business customers needing payment and liquidity management.
• SBA Loans Small Business Administration loan programs providing government-backed financing for small businesses seeking capital for working capital, expansion, or real estate.
• Small Business Lending Small business lending products supporting working capital, equipment financing, and business expansion for small to mid-sized business borrowers.
• Small Business Real Estate Lending Commercial real estate lending solutions for small businesses acquiring or refinancing owner-occupied properties.
• Small Business Credit Cards Small business credit cards for managing operating expenses and short-term cash flow needs.
• Asset-Based Lending Asset-based lending delivered through Wintrust Business Credit, including revolving lines of credit on accounts receivable and inventory and term loans secured by equipment and real estate for middle-market commercial clients.
• Commercial Lending Commercial lending solutions for mid-market and larger commercial clients addressing complex financing needs including acquisitions, working capital, and growth financing.
• Capital Markets Capital markets services for larger commercial clients requiring sophisticated financing transactions such as syndicated and structured debt.
• Commercial Leasing Commercial leasing solutions providing equipment and asset financing for commercial clients.
• Commercial SBA Lending SBA lending programs targeting commercial and middle-market borrowers with government-backed financing for working capital, real estate, and acquisitions.
• Treasury Management Treasury management services including cash management, merchant processing, wire transfers, and ACH services for commercial clients to manage liquidity, payments, and working capital.
• Retirement Benefits Advisors Retirement plan advisory services supporting businesses in establishing and managing employee retirement benefit programs.
• International Services International banking services supporting commercial clients with cross-border payments, foreign exchange, and trade finance.

Quantifiable outcome

• 2.00% APY on Statement Savings Advanced with qualifying activities
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Wintrust Financial CorporationcoreStrategic or Co-development PartnerHinsdale Bank & Trust is a Wintrust Community Bank, part of the Wintrust Financial Corporation family of 16 community bank charters with $74 billion in assets. Parent company provides technology platforms, product development, and operational support while allowing local banks to maintain community focus.
• Wintrust Mortgage (Barrington Bank & Trust)coreStrategic or Co-development PartnerResidential lending provided by Wintrust Mortgage, a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Provides mortgage origination, refinancing, and home equity solutions.
• Elan Financial ServicescoreChannel Partner/ Reseller/ DistributorCredit cards issued through partnership with Elan Financial Services pursuant to Visa U.S.A. Inc. license. Elan provides card processing, fraud protection (Zero Fraud Liability), and 24/7 customer service.
• Wintrust Business CreditcoreStrategic or Co-development PartnerWintrust Business Credit specializes in creative and competitive revolving lines of credit on accounts receivable and inventory and term loans secured by equipment and real estate for middle-market companies.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Northbrook Bank & Trust: Another Wintrust community bank charter serving Chicago's northern suburbs; structurally identical operation with shared parent services, products, and governance.
• Barrington Bank & Trust: Sister Wintrust community bank charter serving Chicago's northern suburbs with identical community banking model, shared product suite (MaxSafe, Wintrust Digital), and overlapping Wintrust Mortgage, Wealth Management, and Business Credit partnerships.
• Byline Bank: Chicago-headquartered community bank serving small business, commercial, and personal customers across the metro with a relationship model and similar branch footprint, making it the closest non-affiliated peer competitor.
• Old Second National Bank: Chicago-area community bank with personal, small business, and commercial banking plus wealth services across the western suburbs; directly comparable geography, customer segments, and product mix.
• Lake Forest Bank & Trust: Wintrust charter serving Chicago's affluent North Shore with HNW-focused private banking offerings that mirror Hinsdale's Private Client service line within the same parent platform.
• Inland Bank and Trust: Chicago-area community bank targeting small businesses, real estate developers, and nonprofit/HOA clients with comparable commercial and personal deposit products in overlapping suburbs.
• First Mid Bancshares: Illinois-based community bank holding company providing personal, business, and wealth management across central Illinois with comparable scale, charter structure, and relationship-banking model.
• Bridgeview Bank Group: Chicago-area community bank focused on small business and personal banking in close-in suburbs, directly competing for the same relationship-driven depositor and SMB borrower base.

Broad incumbents

• BMO Harris Bank: Major Chicago-headquartered commercial bank with the largest deposit share in the metro; competes with Hinsdale across consumer, small business, and middle-market commercial segments as a scaled incumbent.
• Northern Trust: Chicago-headquartered wealth management and private banking giant; competes for the same HNW/UHNW private banking clients that Hinsdale's Private Client line and Wintrust Wealth Management serve.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/hinsdalebank
• Facebookfacebook.com/hinsdalebank

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hinsdale Bank & Trust